Buy now, pay over time with PayPal Credit.

Use PayPal Credit's digital, reusable credit line to shop online anywhere PayPal is accepted, and get 6 months special financing on purchases of $99+ every time you shop. Get a credit decision in seconds with a quick application.

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One Touch™

If you have a current PayPal Credit account that is not linked to an account with PayPal, you need to link your accounts to enjoy all the benefits of PayPal. Link My Accounts

"I like that [PayPal Credit] allows me to pay for large purchases over time. Hotel reservations, airfare, event tickets – I can plan and purchase everything well in advance, then have it paid off before I take the trip."

–Caylen R.

Applying is simple.

Fill out a quick application and get a credit decision in seconds. If approved, shop instantly with PayPal Credit right from your PayPal account.

Buy now, pay over time.

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†For New Accounts: Variable Purchase APR is 26.24%. The APR is accurate as of 3/1/2019 and will vary with the market based on the Prime Rate (as defined in your credit card agreement). Minimum Interest charge is $2.00.

*Limitations apply. This program is open only to eligible U.S. PayPal account owners. Once the service is activated, participants may receive up to 12 refunds (up to $30 per refund request) per calendar year (January 1 – December 31) on qualifying returns of tangible items returned in accordance with seller’s return policy. Other limitations apply.
See full terms and conditions.